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Carnival of Retirement- 29th Edition

There were a ton of great submissions for me to go through (which took many, many hours), but I couldn’t keep them all. Here are my favorite submissions to the Carnival of Retirement for this week:

Jeff Rose @ Good Financial Cents writes Avoid the BIGGEST Mistake of Early Retirement – Being a financial planner comes with a certain amount of stress. Most would contribute the schizophrenic stock market as the leading culprit of the high stress levels. And that is absolutely correct. Dang you market! Coming in at a very close second is helping a client strategically plan for their early retirement.

Jeremy @ Modest Money writes How Airline Credit Cards Cost You More – If you are going to be using a credit card to make purchases, it’s a no-brainer that you’ll want to earn some kind of reward in return. For many people, the obvious choice is an airline miles credit card. Unfortunately that credit card choice may actually be costing them more money to use.

Shilpan @ Street Smart Finance writes Building Financial Freedom with an Automated Wealth Machine – If you’ve been following Street Smart Finance for any length of time, you’ll know that wealth building is not about get-rich-quick schemes, or scammy business opportunities. It’s about personal financial education, developing long-term thinking, consistency, the principle of compounding, along with a little hard work.

My Own Advisor @ My Own Advisor writes June 2012 Dividend Income Update – The stock market is indeed a zoo. There are many animals out there that can cause you serious harm. Outside of ETFs, my approach is to own only established species who offer a lower form of equity risk than others that also provide a dependable return in any jungle; dividend paying stocks. Check out where I’m at this month with my dividend income.

Jake @ Moola Mind writes 5 Reasons I Don’t Invest In Mutual Funds – As mutual funds become more and more the “go-to” investment, I become more and more alarmed. I believe there are many reasons not to invest in mutual funds, so here are 5 reasons why I don’t.

Passive Income Earner @ The Passive Income Earner writes When To Consider Life Insurance – When you are young and starting in the work place, life insurance is probably not something you even want to consider and you certainly don’t want to add another monthly expense to your long list. However, there are certain life milestone that should make you want to review the need for life insurance as it can play an important role in family finances.

Eddie @ Finance Fox writes Escape Living Paycheck to Paycheck Rut – It took me nearly three years to get a grip on my finances. There were many tough moments of anger, disappointment, and the thoughts of wanting to give up.

Don @ MoneySmartGuides writes Improve Your Credit Score – If you’ve embraced a new, responsible financial future, it can be troubling to find you’re still not getting the credit you need, when you need it.

Earth and Money @ Earth and Money writes Community Bonds – A Primer – Community bonds are just what they sound like – bonds issued by local, community organizations (either a non-profit or a co-operative) to local, community investors. The investment funds provide the organization with either money to pay down existing loans that they may have, or to provide start-up capital for a potential project, in exchange for a fixed rate of return.

J.P. @ Novel Investor writes How To Avoid Securities Fraud – People fall prey to investment scams, Ponzi schemes, pyramid schemes, and IPO scams all the time. Here are the best ways to avoid it.

Echo @ Boomer & Echo writes 35 Ways To Save Money – We all know there are plenty of ways to save money, but some things are so obvious you can classify them as common sense rather than smart spending.

Ashley @ Money Talks Coaching writes The Power of Dollar Cost Averaging – Dollar cost averaging is when you decide how much money you are going to invest each month and then chunk it into the market each and every month.

MMD @ My Money Design writes How to Read and Evaluate Basic Stock Metrics – Have you ever looked at a stock online and wondered what all the metrics represent? Which ones are good and what is their significance? This exercise walks through a stock page on CNN Money and explains the importance of each of the metrics to you.

John @ Married (with Debt) writes US Bank Internet Banking – US Bank Internet Banking is a great way to save money, time, and keep your finances organized.

Corey @ Steadfast Finances writes Is a Home Warranty Worth Having? – Find out if a home warranty is worth the costs. What are the benefits of a home warranty? The downsides?

PITR @ Passive Income To Retire writes Saving Up for a Rental Property – Find out how saving up a down payment for my first rental property will provide me extra security in quitting my day job.

Evan @ My Journey to Millions writes July 2012 Dividend Investment Portfolio Watch List Update – Every 60 days or so I like to update the watch list for my Dividend Investment Portfolio and since my last update was in April of 2012 I knew I had to get on it! I create these posts to force push myself to create a watch list of dividend investment stocks based primarily off those in the Dividend Champion List.

Sustainable PF @ Sustainable Personal Finance writes How to Negotiate Anything – The Negotiation! You negotiate with your friends and family all of the time over countless topics, such as what movie to watch or whose turn it is to wash the dishes. When it comes to negotiating with strangers, however, you may fall apart.Negotiation is a skill anyone can learn. Like anything else, some are better at negotiating than others.

Little House @ Little House in the Valley writes When It’s Time to Assist the Parents – It’s not easy for parents to ask for help, and it’s not easy for kids to accept the possibility of a role-reversal. I know this first-hand because I’ve been confronted with an ever-looming possibility that I might need to step in and offer some assistance very soon. Yet, knowing my own parents, I have to do it graciously or else be chided for interfering in a matter I “don’t understand.”

Shawanda @ You Have More Than You Think writes Innovative Money Saving Tips – With the recession showing few signs of abating, more and more people are being forced to tighten their belts.

Tushar @ Start Investing Money writes Do You Know Enough to Be a Successful Stock Market Investor? – For many people the obvious route to take when thinking about investing is to head for the stock market. But is this really the wisest route for everyone? There is certainly a lot of money to be made with stocks and shares.

Ted Jenkin @ Your Smart Money Moves writes Is It Too Late To Begin Saving For Retirement? – You are 45 years old and it dawns on you that your college days are looking further and further in your review view mirror and you can see the exit sign for

Jester @ The Ultimate Juggle writes Should You Finance a Business Idea? – As I have been thinking long and hard about making a living on my own, I have come a difficult decision.

Suba @ Broke Professionals writes Be Prepared – Be Prepared is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. “Chance favors a prepared mind” – said Louis Pasteur, the French chemist, microbiologist and the pioneer of the germ theory of disease.

Luke @ Learn Bonds writes The Total Return Approach – Are you investing in individual bonds, bond mutual funds or bond ETFs to stabilize your portfolio throughout retirement? You are not alone.

YFS @ Your Finances Simplified writes Could You Survive At the Poverty Line? – Sometime ago, very early in my blogging career. Ha, I’m writing this as if I didn’t start blogging in October of 2011. Time sure does fly..

Steve @ Brip Blap writes Money from the Sky – In Russia in the early 90s prices changed daily, even hourly. Savings effectively disappeared. With private ownership of land impossible, all net worth other than STUFF disappeared. A good TV was a better investment than a savings account. A freezer could preserve more value than a bank. Banks were offering 100% interest rates or more and it wasn’t a good deal. That can never happen in America, could it?

Paul Vachon @ The Frugal Toad writes Family Finances – Tips for Avoiding Conflict – Discussing the family finances causes more arguments between couples – 3 per month on average – than any other topic. So what causes most arguments about finances? The majority of couples state that misunderstandings between needs versus wants are at the root of most disagreements.

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes Individual Stocks or Index Funds? – This post describes Individual Stocks and Index Funds, and provides pros and cons of each in order for the reader to make an informed decision as to which investing option is right for them while saving for retirement.

Young @ Young And Thrifty writes How To Get Your Employer to Pay For School – The decision on whether or not to go back to school to upgrade your skills (whether you are talking about a graduate degree, a diploma, or a certificate program of some kind) often hinges on the financial viability of it.

Teacher Man @ My University Money writes Hidden Costs of Owning a Dog or Cat – It’s interesting to see how blind we often are to expenses that are tied to emotional attachments. Some people “love” their sports team and wouldn’t think twice about multi-thousand dollar season tickets.

krantcents @ KrantCents writes The 3 X’s of Success – The 3 X’s of Success is the twenty-fourth in a series of articles to help you reach your goal.

Barbara Friedberg @ Barbara Friedberg Personal Finance writes CHEAP SUMMER VACATION TIPS – This year’s getaway is to Vegas! We are taking our daughter and mom on a four day, three night trip. The room and airfare for the four of us is $1,100.00.

Steve Zussino @ Canadian Personal Finance writes Why Kickstarter is overrated as an investment – Have you heard of Kickstarter? Kickstarter is a crowd funding website for creative projects. I wanted to share some thoughts why it is a poor investment.

Jon the Saver @ Free Money Wisdom writes Myths and Truths About Long Term Care – There are many myths and truths about long term care. Let’s iron things out and get the truth out about long term care and what you need to know!

Corey @ 20s Finances writes How to Get a Promotion – Managing your career in this economy can be a difficult thing. With companies going out of business and people being laid off left and right (or so it seems), thinking about advancing within your organization may seem like a stretch. I know what you’re thinking: It’s one thing to keep your job and quite another to get a promotion.

Miss T. @ Prairie Eco Thrifter writes Ethical Investments: Some Things to Avoid – There are various questions you can ask and areas you can look into to determine how ethical a potential investment might be. I always recommend you do thorough research prior to purchasing an investment so that you can sleep well at night knowing you aren’t supporting anything you feel strongly against. It may take some time but it is worth it in the end.

Robert @ My Multiple Incomes writes How You Gamble with Your Retirement: 3 Ways to Protect Yourself – You’ve heard the stories about individuals getting into a debt and not being able to get out. What about the recent story about a grandmother getting her social security garnished because she didn’t repay her student loans. These things happen because people are going with their emotions, and not thinking about the consequences. Here are three things that you can do to protect yourself before you make a mistake.